FHA Loan Limits in Bexar County, Texas (2026)
Buying in Bexar County or elsewhere in Bexar County? The 2026 FHA single-family limit across the county is $541,287. That matches the national FHA floor used across most of the South.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
From Bexar County to the edges of Bexar County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Harris and Dallas Counties.
FHA affordability around Bexar County
With Bexar County's median sale price estimated near $310,000 (think Bexar County), the FHA down payment is roughly $10,850. Factoring Texas property taxes near 1.68%, expect about $2,562 monthly, pointing to income near $99,000 — above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in Bexar County
Here is what an FHA payment looks like at three Bexar County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $223,000 | $7,805 | $1,876 |
| Local median — $310,000 | $10,850 | $2,562 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near Bexar County too — get notified.
First-time buyers make up much of FHA activity in Bexar County and across Bexar County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $10,850 needed on a median Bexar County home.
Multi-unit FHA limits in Bexar County
Looking at a duplex or fourplex near Bexar County? FHA allows up to $692,997 on two units and $1,041,072 on four in Bexar County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Bexar County for 2026?
- In Bexar County (Bexar County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Bexar County with FHA?
- For a median-priced ($310,000) Bexar County home, plan on income around $99,000 at a 31% housing ratio — about $2,562/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Bexar County?
- 3.5% with a 580+ score — roughly $10,850 on a $310,000 Bexar County-area home. Gift funds are allowed.
- Is Bexar County a high-cost FHA area?
- No — Bexar County uses the $541,287 national floor for one unit.